Card activated cash dispensing automated banking machine

ABSTRACT

A card activated cash dispensing automated banking machine is provided which includes a safe and at least a portion of a cash dispenser positioned within the safe. The cash dispenser includes an input device which when manually operated from within the safe causes the cash dispenser to accept data usable to authenticate communicates received from a computer located outside the safe in the automated banking machine. The cash dispenser is operative responsive to authenticated communication to dispense cash.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. application Ser. No.11/811,864 filed Jun. 11, 2007 (now U.S. Pat. No. 7,721,951), which is adivisional of U.S. application Ser. No. 11/359,912 filed Feb. 21, 2006(now U.S. Pat. No. 7,229,009), which is a divisional of U.S. applicationSer. No. 10/620,966 filed Jul. 15, 2003 (now U.S. Pat. No. 7,121,460),which claims benefit of U.S. Provisional Application Ser. Nos.60/396,608 filed Jul. 16, 2002 and 60/436,883 filed Dec. 26, 2002. Eachof these applications is hereby incorporate by reference herein.

TECHNICAL FIELD

An exemplary embodiment relates to automated banking machines thatoperate to cause financial transfers responsive to data read from databearing records which may be classified in U.S. Class 235, Subclass 379.

BACKGROUND

Automated banking machines are well known. A common type of automatedbanking machine used by consumers is an automated teller machine.Automated teller machines enable customers to carry out bankingtransactions. Common banking transactions that may be carried out withautomated teller machines include the dispensing of cash, the making ofdeposits, the transfer of funds between accounts, the payment of billsand account balance inquiries. The types of banking transactions acustomer can carry out are determined by capabilities of the particularbanking machine and the programming of the institution operating themachine. Other types of automated banking machines may allow customersto charge against accounts or to transfer funds. Other types ofautomated banking machines may print or dispense items of value such ascoupons, tickets, wagering slips, vouchers, checks, food stamps, moneyorders, scrip or traveler's checks. For purposes of this disclosure anautomated teller machine (ATM), an automated banking machine, or anautomated transaction machine shall encompass any device which carriesout transactions including transfers of value.

ATMs may include a plurality of devices including, for example, a CPUprocessor board, a hard drive, a keypad, and cash dispenser. ATM casesmay have a plurality of designs and shapes. For example, ATMs mayinclude a large reinforced security chest or safe which is capable ofenclosing both a cash dispenser mechanism and a computer which operatesthe cash dispenser as well as the other devices of the ATM. In otherATMs, the computer of the ATM may be located outside the chest, althoughstill within a locked enclosure or fascia. Unfortunately, an enclosureor fascia may be less secure than a chest and may be pried or crackedopen. As a result computers or other ATM devices located outside thechest may have an increased risk of being modified or hacked byunauthorized users. Such modifications may compromise the security ofthe ATM and improperly cause the ATM to dispense cash or otherwisetransfer value to the unauthorized user. Consequently there exists aneed for an automated banking machine that has increased protectionagainst unauthorized access to physical hardware devices of the machine.

In addition, ATMs are connected to at least one network. Such networksmay include private networks which include one or more ATM host bankingsystems. Such networks may also include public networks such as theInternet. ATMs may also use standard Internet protocols to communicatewith ATM host banking systems. Such standard protocols may includenetwork protocols such as TCP/IP. As a result ATMs which use TCP/IP maybe attacked with the same types of hacking tools used to attack websites, and other types of computer systems on the Internet. Consequentlythere exists a need for an automated banking machine that has increasedprotection against unauthorized access to the machine through networkcommunication.

Once an unauthorized user has gained access to the hardware of an ATM,whether by network communication or physical access to the hardware, theunauthorized user may have the opportunity to steal information from theATM. Such modifications may include the insertion of viruses, worms,and/or sniffer programs which are operative to capture transactioninformation such as account numbers, personal identification numbers,and other secret information. As a result there further exists a needfor an automated banking machine which has increased protection againstthe theft of transaction information.

OBJECTS OF EXEMPLARY EMBODIMENTS

It is an object of an exemplary form of at least one embodiment toprovide an automated banking machine at which a user may conducttransactions.

It is a further object of an exemplary form of at least one embodimentto provide an automated banking machine which is more secure.

It is a further object of an exemplary form of at least one embodimentto provide an automated banking machine that has increased resistance tobeing attacked by an unauthorized user.

It is a further object of an exemplary form of at least one embodimentto provide an automated banking machine which is operative to preventunauthorized modifications to the ATM from enabling the theft of cash ortransaction information.

Further objects of exemplary forms of embodiments will be made apparentin the following Detailed Description of Exemplary Embodiments and theappended claims.

The foregoing objects may be accomplished in an exemplary embodiment byan automated banking machine that includes output devices such as adisplay screen and receipt printer. The machine may further includeinput devices such as a touch screen, keyboard, keypad, function keys,and a card reader. The automated banking machine may further includetransaction function devices such as a cash dispenser mechanism forsheets of currency, a depository mechanism and other transactionfunction devices which are used by the machine in carrying out bankingtransactions including transfers of value. In the exemplary embodimentthe automated banking machine may include at least one computer. Thecomputer may be in operative connection with the output devices and theinput devices, as well as with the cash dispenser mechanism, depositorymechanism and other physical transaction function devices in the bankingmachine. The computer may further be operative to communicate with ahost system located remotely from the machine.

In the exemplary embodiment, the computer may include softwarecomponents that are executable therein. The software components of theautomated banking machine may be operative to cause the computer tooutput user interface screens through a display device of the machine.The user interface screens may include consumer screens which provide aconsumer with information for performing consumer operations such asbanking functions with the machine. The user interface screens mayfurther include service screens which provide an authorized userservicing the machine with information for performing service andmaintenance operations with the machine. In addition the machine mayinclude software components operative in the computer for controllingand communicating with hardware devices of the machine including theinput devices, output devices and the transaction function devices.

In an exemplary embodiment the automated banking machine includes aplurality of components which may correspond to two or more of thepreviously described input devices, output devices, transaction functiondevices, and/or software components. The plurality of components mayinclude a first component and a second component. The first and secondcomponents are operative to securely communicate with each other. Suchsecure communications may include passing encrypted information betweeneach other which is associated with a transaction function beingperformed by the machine. Such a transaction function may correspond tothe dispense of cash or any other function performed by the automatedbanking machine. The information may be encrypted with a secret key suchas a DES key known to both the first and second components. Theencrypted information may correspond to account numbers, personalidentification numbers (PINs), status information, error information,encryption keys, software function or event calls, operational commands,or any other type of information which may be passed between hardwareand/or software components of an automated banking machine for purposesof performing a transaction function.

When the secure communication between the first and second components isbeing established, the second component of the exemplary embodiment maybe operative to authenticate the identity of the first component inorder to prevent the possibility of a “man in the middle” hackingattack. Such a “man in the middle” hacking attack may correspond to asoftware virus, worm, or an imposter hardware device or softwarecomponent which is constructed to intercept secure communicationsbetween components. In one scenario of “a man in the middle” attack therogue software or hardware component may function as a router whichfilters the intended communications between the first and secondcomponents. Such filtering may enable the rogue component to acquire thesecret key or keys used to decrypt the information being communicatedbetween the first and second components. Such filtering may also enablea rouge component to replay sampled communications to cause a hard waredevice or other component to repeat a function.

The exemplary embodiment may be operative to prevent “a man in themiddle” attack by requiring the first component to authenticate itselfto the second component with first identity data which is not generallyavailable to a rogue software or hardware component. Such first identitydata may correspond to individual or combinations of unique dataembedded within the component. For example such first identity data maycorrespond to a serial number stored in a BIOS of a hardware device ormay be embedded in the software code of a software component.

In the exemplary embodiment, the first component may be operative torandomly generate the secret key which will be used to perform symmetricencryption/decryption of information being communicated between thefirst and second components. To facilitate the transfer of the secretkey to the second component, the second component may include a publicand private key set which may be used to perform asymmetricencryption/decryption. In the exemplary embodiment, the first componentmay be operative to encrypt the secret key with the public key of thesecond component. The encrypted secret key may then be sent to thesecond component. The second component may be operative to decrypt thesecret key using its private key.

To enable the second component to verify that the encrypted secret keyoriginated from an authentic first component, the first component may beoperative to generate at least one first hash using at least oneidentity data value embedded in or accessible to the first component.The first hash may be generated by hashing the first identity data withthe public key using one-way hash algorithms such as MD5 and SHA-1.

Both the encrypted secret key and the first hash of the first identitydata may be sent from the first component to the second component aspart of at least one message. In an exemplary embodiment, the firstcomponent may further encrypt the first hash with the secret key beforesending it to the second component. In other exemplary embodiments, thefirst component may encrypt a combination of the secret key and firsthash with the public key before sending it to the second component.

The second component is operative to decrypt the secret key with theprivate key of the second component. In embodiments where the first hashis encrypted with the secret key, the second component is furtheroperative to decrypt the first hash using the secret key. In embodimentswhere a combination of the secret key and the first hash are encryptedwith the public key, the second component may be operative to decryptthe combination using the private key to uncover both the secret key andthe first hash.

To verify that the secret key originated from an authentic firstcomponent and not an imposter first component, the second component maybe operative to compare the first hash to a second hash that is expectedto correspond to the first component. In an exemplary embodiment, thesecond component may access a secure data store which includes at leastone second identity data which corresponds to the first component. Thesecond component may be operative to cause at least one second hash tobe generated by passing the second identity data and the public keythrough a one-way hash function which is identical to the function usedby the first component to generate the first hash.

If the first and second hashes correspond to each other, the secondcomponent is operative to permit secure communications between the firstand second components to commence using the secret key to encrypt thecommunications. If the first and second hashes do not correspond to eachother, the second component is operative to not establish securecommunications between the first and second components using the secretkey received from the first component. The second component may alsopropagate an error message in the automated banking machine whichindicates that the first component may not be an authorized firstcomponent.

In exemplary embodiments, the described cryptographic processes may beperformed by the software components. In addition, in exemplaryembodiments the described cryptographic processes may be performed bycryptographic software or hardware module of the automated bankingmachine responsive to the components. For example an exemplaryembodiment of the automated banking machine may include a messageprotect application which is operative to generate the first and secondhashes. In an exemplary embodiment each of the first and secondcomponent may call a separate instance of the message protectapplication. For example, if each of the first and second componentsinclude separate processors, each processor may run a version of themessage protect application.

In an alternative exemplary embodiment, the ATM may include a trustedplatform with a trusted platform module (TPM) and associated softwarewhich complies with a trusted computing platform or base specification.The trusted platform may be used to perform all or portions of thecryptographic functions for the software and hardware components of theautomated banking machine to establish secure communications between thecomponents.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a perspective view representative of an exemplary embodimentof an automated banking machine.

FIG. 2 is a schematic view of a further exemplary embodiment of anautomated banking machine.

FIG. 3 is a schematic view showing a method for establishing securecommunications between components of an automated banking machine.

FIG. 4 is a schematic view showing secure communications betweenterminal control software components and a cash dispenser and a cardreader of an automated banking machine.

FIG. 5 show an exemplary embodiment of an automated banking machine witha software component of a computer that is operative to establish asecure communication session with a cash dispenser.

FIG. 6 show a schematic view of an automated banking machine with asoftware component of a computer that is operative to establish a securecommunication session with a cash dispenser.

FIGS. 7 and 8 show schematic views of an automated banking machine thatincludes a trusted platform with a trusted platform module.

DETAILED DESCRIPTION OF EXEMPLARY EMBODIMENTS

Referring now to the drawings and particularly to FIG. 1, there is showntherein a perspective view of an exemplary embodiment of an automatedbanking machine 10. Here the automated banking machine 10 may include atleast one output device 34 such as a display device 12. The outputdevice 12 may be operative to provide a consumer with a user interface18 that may include a plurality of screens or other outputs includingselectable options for operating the machine. The exemplary embodimentmay further include other types of output devices such as a receiptprinter 20, statement printer 21, speakers, or any other type of devicethat is capable of outputting visual, audible, or other sensoryperceptible information.

The exemplary embodiment of the automated banking machine 10 may includea plurality of input devices 32 such as an encrypting pin pad (EPP) withkeypad 16 and function keys 14 as well as a card reader 22 and/or barcode reader 23. The exemplary embodiment of the machine 10 may furtherinclude or use other types of input devices, such as a touch screen,microphone, or any other device that is operative to provide the machinewith inputs representative of user instructions or information. Themachine may also include one or more biometric input devices such as afingerprint scanner, an iris scanner, facial recognition device, handscanner, or any other biometric reading device which may be used to reada biometric input that can be used to identify a user.

The exemplary embodiment of the automated banking machine 10 may furtherinclude a plurality of transaction function devices which may includefor example a cash dispenser 24, a depository mechanism 26, a cashrecycler mechanism, or any other type of device which is operative toperform transaction functions involving transfers of value.

FIG. 2 shows a schematic view of components which may be included or maybe in communication with the automated banking machine 10. Exemplaryembodiments of the automated banking machine 10 may be operative tocommunicate with a transaction processing server which is referred toherein as an ATM host banking system 42. Such an ATM host banking system42 may be operative to authorize the automated banking machine 10 toperform transaction functions for users such as withdrawing cash from anaccount through operation of the cash dispenser 24, depositing checks orother items with the depository mechanism 26, performing a balanceinquiry for a financial account and transferring value between accounts.

In addition, the machine 10 may include at least one computer 30. Thecomputer 30 may be in operative connection with a plurality ofcomponents 44. Such components may include both hardware components 46and software components 40. The hardware components 46 may correspond tothe previously described input device(s) 32, output device(s) 34, andtransaction function device(s) 36. In an exemplary embodiment, atransaction function device may be operative to perform a transactionfunction in response to at least one input through at least one of theinput devices.

In an exemplary embodiment, the software components may correspond toone or more terminal control software components that are operative inthe computer 30. The terminal control software components may beoperative to control the operation of the machine by both a consumer andan authorized user such as a service technician. For example suchterminal control software components may include applications whichenable a consumer to dispense cash, deposit a check, or perform othertransaction functions with the machine. In addition the terminal controlsoftware components may include applications which enable a servicetechnician to perform configuration, maintenance, and diagnosticfunctions with the machine.

In an exemplary embodiment both software components and/or hardwarecomponents may be operative to communicate with each other through thecomputer and/or through a communication system associated with thecomputer. Such communications may be encrypted to prevent hackingattacks in which rogue software and/or hardware components access thecommunications. FIG. 3 shows a schematic view of an exemplary method forestablishing secure communications between a plurality of components ofthe automated banking machine 10. Here the automated banking machine mayinclude at least two components such as a first component 102 and asecond component 104. In the exemplary embodiment the first and secondcomponents may correspond to software components that are operative inthe at least one computer processor of the automated banking machine. Inaddition in exemplary embodiments either or both of the first and secondcomponents may correspond to hardware components. As used herein, it isto be understood that the term component may correspond to either ahardware or software component of the automated banking machine.

The automated banking machine may also include one or more transactionfunction devices. Such a transaction function device may correspond toone or both of the first or second components 102 and 104. However, atransaction function device may also correspond to a further componentin addition to the described first and second components 102, 104.

The first component 102 may be operative to randomly generate a secretkey 112. The first component 102 may be operative to send at least onefirst message 114 to the second component which includes the secret keyin an encrypted form 130. Subsequent messages 116 communicated betweenthe first and second components may include information 118 which isencrypted with the secret key. In the exemplary embodiment thesubsequent messages 116 may be encrypted and decrypted by the first andsecond components using a symmetrical cryptography algorithm and thesecret key. An example of a symmetrical algorithm which may be used toencrypt the messages 116 may include the DES cryptography algorithm.

In the exemplary embodiment, the secret key may be randomly generated bythe first component each time the first component and second componentattempt to establish a secure and encrypted channel of communicationbetween each other. In addition, to prevent the secret key from beinguncovered from the first message 114, the exemplary embodiment of thefirst component may be operative to encrypt the secret key using anasymmetric cryptography algorithm and a public key associated with thesecond component. The asymmetric cryptography algorithm may include RSAor other public/private key cryptography algorithm. The resultingencrypted secret key 130 in the first message 114, may be decrypted bythe second component using the asymmetric cryptography algorithm and aprivate key 122 of the second component. The first component 102 may beoperative to acquire the public key 120 of the second component from amessage 113 sent from the second component. In alternative exemplaryembodiments, the first component 102 may be operative to acquire thepublic key 120 from a data store of public keys.

In the exemplary embodiment, the second component may be operative toverify that the secret key received in the message 114 originated fromthe first component. To enable such verification, the first component102 may include a first identity data 106. Such first identity data maybe embedded in at least one secure storage location within the componentor may be accessed by the component from associated software and/orhardware devices. For example, in a hardware component, the firstidentity data may correspond to a serial number or sub-byteidentification codes stored in a BIOS or other non-volatile memorydevice in the hardware component. In a software component, the firstidentity data may correspond to a unique identification number stored inthe software code of the software component. In addition, in exemplaryembodiments, the identity data may be comprised of a combination ofdifferent portions of information securely stored in the component oraccessed by the component from different components.

In the exemplary embodiment, the first component is operative togenerate at least one first authentication hash of the at least onefirst identity data. Such a first hash may be generated by hashing boththe first identity data and the public key of the second component thatwas used to encrypt the secret key. The term hash as used hereincorresponds to a non-reversible value generated by passing data such asa combination of the identity data and the public key through a one-wayhash function. Examples of a one-way hash function for use withexemplary embodiments include MD5 and SHA-1 or any other function whichis operative to generate a non-reversible hash value from a combinationof the first identity data and the public key.

In the exemplary embodiment, the first hash may be encrypted. Theresulting encrypted first hash 132 may be sent to the second componentin the at least one first message 114. In an exemplary embodiment, thefirst hash may be encrypted with the secret key 112 generated by thefirst component. In an alternative exemplary embodiment, the first hashmay be combined with the secret key and the resulting combination may beencrypted with the public key 120 of the second component.

When the at least one first message 114 is received, the secondcomponent may be operative to decrypt the encrypted first hash 132 toreveal the first hash 108. In exemplary embodiments where the first hashis encrypted using the secret key, the second component may decrypt thefirst hash using the secret key received from the first component. Inexemplary embodiments, where the first hash and secret key are encryptedtogether as a combination using the public key 120, the second componentmay be operative to decrypt the combination using the private key 122 ofthe second component.

In the exemplary embodiment, the second component may be operative toaccess at least one second authentication hash 134 which is associatedwith the first component 102. The second hash 134 may correspond to thehashing of at least one second identity data 136 and the public key 120using the same hash function as was used to generate the first hash 108.The automated banking machine 10 may be configured such that the secondidentity data 136 is identical to the first identity data 106 if thefirst component is authentic and has been properly configured in themachine. As a result the first hash 108 and the second hash 134 willmatch when the first message 114 is from an authentic first component.The exemplary embodiment of the second component may be operative tocompare the first hash to the second hash to verify that they areidentical. If the first and second hashes are identical the secondcomponent may be operative to enable secure communications or messages116 to be sent between the first and second components which includeinformation 118 encrypted with the secret key 112. If the first andsecond hashes are not the same, the second component may be operative topropagate a status or error message in the automated banking machinewhich indicates that the second component failed to establish a securecommunication session or channel with the first component.

In the exemplary embodiment, the second component 104 may be operativeto access the second identity data 136 and generate the second hash 134from the second identity data 136 and its public key 120. In anexemplary embodiment the second identity data 136 may be accessed from adata store 110 that is in operative connection with the secondcomponent. Such a data store 110 may be operative to securely store thesecond identity data such that an unauthorized rogue component cannotaccess the second identity data from the data store.

In an exemplary embodiment the data store 110 may be included in thesecond component 104. For example, if the component corresponds to ahardware device the data store 110 may correspond to a flash RAM orother nonvolatile memory of the hardware device. In other exemplaryembodiments the data store may correspond to a data store component thatis accessible to a plurality of components and includes identity datafor a plurality of components. Components may securely access the datastore component and retrieve identity data related to other componentsthat are being authenticated. Such a data store component may itselfcorrespond to the described first and/or second components and beoperative to authenticate other components prior to enabling thecomponents to access the identity data.

In an alternative exemplary embodiment, in which the computer of the ATMmay include a trusted platform module (TPM) chip, the identity data maybe stored in a secure data store managed by a trusted platform that usesTPM chip of the computer. Such a trusted platform may comply with atrusted platform specification such as such as the Trusted ComputingPlatform Alliance (TCPA) specification, the Microsoft next-generationsecure computing base (NGSCB) (formerly called Palladium) or otherspecification for establishing a trusted and secure computingenvironment.

Also, in a further exemplary embodiment, rather than having the secondcomponent generate the second hash 122, the secure data store 110 and/orassociated software may be operative to generate the second hash 122 andsecurely send the second hash 122 to the second component. In thisdescribed exemplary embodiment, the data store 110 may receive or haveaccess to the public key of the second component and may pass both thesecond identity data 136 and the public key 120 of the second componentthrough a one-way hash function to generate the second hash 134. Toprevent a rogue component from intercepting the second hash 134, thedata store 110 may further encrypt the second hash 134 using the publickey 120 of the second component. The second component may then decryptthe encrypted second hash 134 using its private key 122.

In the exemplary embodiment, the automated banking machine may include auser interface and/or a dedicated input device that are operative toenable an authorized user to maintain or update the identity data storedin the data store 110. When new or updated hardware or softwarecomponents are installed in the automated banking machine 10, the database 110 may be updated to include the new identity data values whichcorrespond to the new components. As will be discussed in more detailbelow, such a dedicated input device may include a button accessibleonly with a secure area of the ATM such as the chest of the ATM. Thebutton may be configured to cause the data store to be updated with newidentity data for components currently installed in the ATM.

In alternative exemplary embodiments, the data store 110 or other datastores in the machine may include copies of the public keys for thecomponents. Rather than having the components receive public keys fromother components, the components may retrieve public keys for othercomponents from a data store of public keys. In such alternativeexemplary embodiments, data stores which include identity data and/orpublic keys may be operative to securely communicate with components toprevent rogue components from performing “man in the middle” attacksbetween the components and the data stores. In exemplary embodiments,the components may include or have access to applications which providecryptographic functions for performing, encryption, decryption, digitalsignature signing, digital signature verification, hashing and/or othercryptographic calculations as described herein. For example, as will bediscussed in more detail below, the components may include or haveaccess to a message protect application which is callable by thecomponents and is operative to perform all or portions of the describedsteps for establishing a secure communication session betweencomponents.

In alternative exemplary embodiments, the automated banking machine mayinclude dedicated software and hardware components which are operativeto perform general cryptographic calculations on behalf of the callingcomponents and/or a message protect application. For example, an ATM mayinclude a dedicated hardware card or chip for performing cryptographiccalculations such as random number generation and DESencryption/decryption. For computers of the ATM that include a TPM chip,the TPM and associated software may be operative to perform or managecryptographic calculations responsive to software and hardwarecomponents of the automated banking machine.

FIG. 4 shows an example of using the previously described system forauthenticating components to perform a transaction function. Here theautomated banking machine 10 includes a card reader 204, a cashdispenser 202, and terminal control software 200. The exemplaryembodiment of the terminal control software 200 may include one or moresoftware components such as a device driver which corresponds to atleast one of the first components previously described. The exemplaryembodiments of the card reader 204 and cash dispenser 202 may correspondto the second components previously described.

To perform a transaction function such as the dispensing of cash, theterminal control software components may require account information tobe read from a card using the card reader 204. To prevent a virus, wormor other rogue component from intercepting the account information andto prevent a “man in the middle” attack, the previously described methodof establishing a secure channel of communication may be used. In thisexample the card reader may be operative to encrypt the accountinformation 206 being sent to the terminal control software using asecret key generated by the terminal control software. In addition thecard reader may verify that the secret key was generated by an authenticterminal control software component 200, by comparing at least one firstauthentication hash to at least one second authentication hash asdiscussed preciously. In this example the first and second hashes may begenerated by passing a public key of the card reader and at least oneidentity data associated with or accessed by the terminal controlsoftware component through a one-way hash function.

To cause the automated banking machine to dispense cash, the terminalcontrol software components 200 may pass a command to the cash dispenserdevice which indicates an amount to dispense. To prevent a virus, worm,foreign hardware device, or other rogue component from being able tocontrol the cash dispenser, the previously described method ofestablishing a secure communication session between the terminal controlsoftware and the cash dispenser may be used. In this example theterminal control software may be operative to encrypt the commandinstruction 208 to dispense an amount of cash using a secret keygenerated by the terminal control software. In addition the cashdispenser may verify that the secret key was generated by an authenticterminal control software component 200, by comparing at least one firstauthentication hash to at least one second authentication hash asdiscussed previously. In this example the first and second hashes may begenerated by passing a public key of the cash dispenser and at least oneidentity data associated with or accessed by the terminal controlsoftware component through a one-way hash function.

In this described exemplary embodiment, both the card reader 204 and thecash dispenser 202 are operative to establish a secure communicationsession with one or more terminal control software components 200. Inother exemplary embodiments, other hardware devices and/or softwarecomponents of the machine may be operative to establish securecommunication sessions between each other using the previously describedmethods. Also, individual components of the machine may correspond to acombination of the previously described first and second components andthus be able to authenticate other components as well as being able tobe authenticated by other components as previously described.

In the previously described exemplary embodiment, a single identity datavalue such as a serial number may be used to authenticate a component.However, in alternative exemplary embodiments, a component may beauthenticated using more than one identity data value. When all of theidentity data values have been validated by a component, a securecommunication session may be established, and the components may beinformed that the session may be fully trusted. When less than all ofthe identity data values have been authenticated, the components maycontinue to establish a secure communication session; however, thecomponents may be informed that the session should only be partiallytrusted. As a result the components may be programmed to only permit asubset of operations to be performed responsive to the communicationbetween the components.

In addition, exemplary embodiments of the previously described methodmay further include a unique session identification value or SessionID.A different SessionID may be generated for each attempt to establish asecure communications session between two components. Such a SessionIDmay be used to prevent a rouge application from recording handshakingcommunications between original components and replaying thecommunications to establish a secure communication with one of theoriginal component.

Also, in further exemplary embodiments after the secret key has beensuccessfully transferred between components, each of the components maybe operative to independently produce identical but secret hashes of thesecret key. The hashes may be used to encrypt and decrypt messages sentbetween the components. For each subsequent message a different hashderived from the original secret key may be generated for use inencrypting and decrypting each new message. As a result, even though thecontent of two or more messages may be identical, the correspondingencrypted form of those identical messages will be different.

FIG. 5, shows an example of a system which uses more than one identitydata such as a serial number to authenticate components and establish asecure communication session between the components. In this example onecomponent corresponds to a software component 506 operating in acomputer 502 of an ATM 500 and the other component corresponds to ahardware device such as a cash dispenser 504 of the ATM. In thisexample, the computer 502 of the ATM 500 may be located outside a securechest or safe 512 of the ATM. The ATM may further include all orportions of the cash dispenser 504 located within the safe 512.

The computer may include at least one processor 514 and at least onehard drive 510. A software component 506 such as a device driver,service provider, or other device interfacing program may be stored onthe hard drive and execute in the processor of the computer. Theprocessor may be associated with a unique processor identificationnumber or serial number (SN1). Also the hard drive may be associatedwith a unique hard drive identification number or serial number (SN2).Each of these serial numbers may be retrievable by the softwarecomponent 506.

The cash dispenser may include: a processor 516; a data store 518 suchas a flash RAM or other nonvolatile memory; and a software or firmwarecash dispenser component 522 that operates in the processor 516 of thecash dispenser.

In an exemplary embodiment of the ATM, the cash dispenser may beconnected to the computer through a communication line 508. Thecommunication line may correspond to a USB cable or other serial,network, or other communication line which is operative to transportdata between the cash dispenser and the computer.

The cash dispenser may include a public/private key pair stored in thedata store of the cash dispenser. In an exemplary embodiment the cashdispenser component 522 may be operative to generate the public/privatekey pair and store the keys in the data store 518. In alternativeexemplary embodiments, the cash dispenser may be manufactured to includea unique public/private key pair in the data store.

In an exemplary embodiment, the cash dispenser may include an inputdevice 520 such as a button which is located within the safe 512. Suchan input device may only be accessed by a user by unlocking and openinga door to the safe. The cash dispenser may be responsive to the inputdevice being activated by a user to accept one or more serial numberssent to the cash dispenser from software operating in the computer 502of the ATM. In this described exemplary embodiment, the serial numberssent by the computer and accepted by the cash dispenser in response to abutton 520 being pressed, may include the unique serial numbers (SN1,SN2) of the processor and hard drive of the computer. However, it is tobe understood that in alternative exemplary embodiments, other serialnumbers may be used. The cash dispenser may be operative to store thereceived serial numbers in the data store 518 of the cash dispenser.

In the described exemplary embodiment, the cash dispenser may beoperative to determine if the button 520 is pressed. If the button isnot pressed at the time the serial numbers are sent to the cashdispenser, the cash dispenser may reject or otherwise discard thereceived serial numbers. In alternative exemplary embodiments the cashdispenser in response to the button being pressed may send a message tothe computer which causes the computer to send the serial numbers to thecash dispenser for shortage in the cash dispenser.

FIG. 6, shows a schematic view of the system. Here both the softwarecomponent 506 and the cash dispenser component 522 may be operative toaccess a message protect application 524. In this described exemplaryembodiment, each of the processors in the computer and the cashdispenser may execute individual instances of the message protectapplication 524.

The message protect application 524 may include one or more functionswhich are callable by the software component and cash dispensercomponent to perform the cryptographic calculations that are involved inan exemplary method for establishing a secure communication sessionbetween the components.

Prior to forming a secure communication session between the softwarecomponent 506 and the cash dispenser component 522, each is operative toaccess the serial numbers (SN1, SN2) associated with the computer. Inthis described exemplary embodiment, the software component 506 of thecomputer may be operative to retrieve the serial numbers from the localhardware devices (i.e., the processor and hard drive). The cashdispenser component 522 may be operative to retrieve the serial numbersfrom the data store 518.

When establishing a connection, the software component 506 and the cashdispenser component may send their corresponding message protectapplications the required data needed to generate the messages used toestablish a secure communication session between the components.

For example in the described exemplary embodiment shown in FIG. 6, thecash dispenser component is operative to generate and send a firstmessage 600 to the software component. The first message may include thepublic key associated with the cash dispenser and a new SessionIDgenerated by the cash dispenser component. A different SessionID may berandomly generated for each initial attempt to establish a securecommunication session with another component.

In response to receiving the first message, the software component 506is operative through calls to the message protect application 524 togenerate a second message. As discussed previously the softwarecomponent may be operative to have a secret key randomly generated.Also, as discussed previously, the software component may be operativeto have the secret key encrypted with the public key received in thefirst message.

In the previously described method the software component was furtheroperative to have the identity data associated with the softwarecomponent hashed with the public key. In this described exemplaryembodiment, there may be more than one identity data. For example, thesoftware component may be operative to retrieve two identity data valuesor serial numbers (SN1, SN2) associated with the computer. The softwarecomponent may pass these two serial numbers (SN1, SN2) to the messageprotect application. The message protect application may be operative togenerate a plurality of hashes using data that may include the twoserial numbers (SN1, SN2), the public key (PublicKey) of the cashdispenser, and a further default serial number (DefaultSN). Differentcombination of this provided data may be hashed together using a one wayhash algorithm such as MD5 for example to produce three authenticationhashes. In an exemplary embodiment the following Equations show exampleformulas for generating the authentication hashes:Hash1=MD5(SN1+SN2+PublicKey)  (1)Hash2=MD5(SN1+DefaultSN+PublicKey)  (2)Hash3=MD5(DefaultSN+SN2+Public Key)  (3)

In the exemplary embodiment, the second message generated by thesoftware includes the encrypted secret key, the three authenticationhashes and a copy of the SessionID received in the first message. Toenable the information in the second message to be more secure, thethree authentication hashes and/or the SessionID may further beencrypted using the secret key. In alternative exemplary embodiments acombination of the secret key, authentication hashes and/or theSessionID may be encrypted using the public key of the cash dispenser.

After the second message has been generated, it is sent to the cashdispenser. The cash dispenser component may through calls to its messageprotect application 524 decrypt the information in the second messageand authenticate the second message.

For example, the cash dispenser component may retrieve the stored serialnumbers (SN1 and SN2) and the public key and the private key of the cashdispenser from the data store of the cash dispenser. The serial numbers,public key, private key, and the second message may be passed to themessage protect application. The original SessionID may also be passedto the message protect application. The message protect application maybe operative to use the private key to decrypt the secret key in thesecond message. The message protect application may further use thesecret key to decrypt the authentication hashes and/or the SessionID inthe second message.

To verify that the second message was generated in response to the firstmessage, the message protect application may be operative to verify thatthe original SessionID sent in the first message corresponds to theSessionID received in the second message. If the SessionIDs do not matchthe message protect application may be operative to indicate to the cashdispenser component that the handshaking between the components hasfailed to produce a secure commendation session.

To verify that the second message originated from a trusted softwareapplication in the computer of the ATM, the message protect applicationmay be operative to generate three further authentication hashes usingthe previously described Equations 1-3. These three furtherauthentication hashes may be generated using the serial numbers (SN1,SN2) stored in the data store of the cash dispenser, the default SN, andthe public key of the cash dispenser.

In an exemplary embodiment, the default SN may correspond to a valuethat is known or available for use by both instances of the messageprotect applications executed by the computer and the cash dispenser.Such a default SN may equal “1234567890”, “ABCDEFGHIJ” or some otherknow value. In this described exemplary embodiment, when the serialnumbers used to form the authentication hashes in the second messagecorrespond to the serial numbers known to the cash dispenser, all of theauthentication hashes in the second message will match the furtherauthentication hashes generated by the cash dispenser. In this case, themessage protect application may be operative to indicate to the cashdispenser component that a secure communication session has been formedand that the session may be fully trusted.

If all of the authentication hashes in the second message do not matchthe further authentication hashes generated by the cash dispenser, thenthe message protect application may be operative to indicate to the cashdispenser component that a secure communication session has not beenestablished. If one but not all of the authentication hashes in thesecond message match the further authentication hashes generated by thecash dispenser, then the message protect application may be operative toindicate to the cash dispenser component that a secure communicationsession has been established but may only be partially trusted. Inalternative exemplary embodiments, based on which hashes fail to beidentical, the message protect application may indicate to the cashdispenser component which of the serial numbers did and/or did notmatch.

The cash dispenser component may perform all, none or a limited subsetof operations requested by the software component in response to anindication that the secure communication session is only partiallytrusted. For example, if one but not both of the processor and harddrive on the computer or other components associated with the serialnumbers (SN1, SN2) are replaced by a technician servicing the ATM, oneof the two serial numbers used by the software component to generate thesecond message will be different from the corresponding serial numberstored by the cash dispenser. In this case, a secure communicationsession may be formed which is only partially trusted. When at least oneof the serial numbers remains the same, the cash dispenser may beadapted to continue to operate to dispense cash in response to commandsreceived from the software component. Also, when only one of the serialnumbers remains the same, the cash dispenser may be adapted to havereduced functionality which limits the functionality of the cashdispenser for example to only performing servicing and diagnosticfunctions in response to commands received from the software component.In further exemplary embodiments, the cash dispenser may be adapted tonot establish and use the secure communication channel when at least oneof the serial numbers is not valid.

In the exemplary embodiment, the cash dispenser component is operativeto generate a third message 604 which is sent back to the softwarecomponent. The third message may include status data representative ofthe trust level determined by the cash dispenser component so that thesoftware component will be operative to determine what commands the cashdispenser will accept. For example, if the status data indicates thatthe secure communication session is fully trusted, then the softwarecomponent may be operative to send encrypted messages through the securecommunication session which requests the cash dispenser to dispense cashfor example. If the software component corresponds to a device driverfor example, the software component may then return a message to acalling program which indicates that the cash dispenser is ready toreceive commands to dispense cash or perform other operations.

If the status data indicates that no secure communication session hasbeen established, then the software component can propagate an errormessage to the calling program and/or an error log which indicates thatthe cash dispenser is not ready to receive commands. The error messagemay be generated in response to the status data and may indicate thereason for the error. Such reasons may include a failure to verify theserial numbers of the processor or hard drive for example. Such reasonsmay also indicate that an invalid SessionID has been detected

As described previously, once a secure communication session has beenestablished, the two components (i.e., the software component and thecash dispenser component) may proceed to use the transferred secret keyto encrypt and decrypt messages sent between them. In an exemplaryembodiment, to further increase the security of the communications, eachtime a message is to be encrypted and passed between the two components,the two components may individually calculate new secret key hashesbased on the original secret key transferred between the components.Each new secret key hash generated may only be used to encrypt anddecrypt a single message. For the next message and each subsequentmessage, new modified secret key hashes (i.e., a nonce) may be generatedby the software component and the cash dispenser. Because the new secretkey hashes are derived from the original transferred secret key, boththe software component and the cash dispenser component are operative togenerate the same sequence of new secret key hashes for each new messageand as a result may continue to encrypt and decrypt the new messagessent between them.

For example, in an exemplary embodiment once the secure communicationsession has been established, future communications may use MD5 and theAdvanced Encryption Standard (AES) cryptographic algorithm along withdifferent secret key hashes to ensure communications are notduplicatable. In an exemplary embodiment, the secure communications maybe comprised of two parts: a message header and encrypted message data.The message header may include a message authentication code (MAC) forthe message data. Such a MAC may be generated by creating a firstmessage digest of the message data. In an exemplary embodiment a firstmessage digest may be formed by hashing the message data with a secretkey hash using a one-way hashing function such as MD5. Further, a secondmessage digest may be generated by hashing the first message digest withthe secret key hash. In this described exemplary embodiment theresulting second message digest may correspond to the message header.

The encrypted message data may be formed by passing the message data andthe secret key hash through a symmetrical encryption algorithm such asAES. The messages communicated between components such as the computerand the cash dispenser may then include the combination of the generatedmessage header and the encrypted message data.

The component receiving the message may be operative to decrypt themessage data using a secret key hash derived from the originaltransferred secret key. To authenticate the message, the receivingcomponent may also generate a MAC from the message data which may thenbe compared to the message header.

As discussed previously, the secret key hash may be modified with eachnewly sent and received encrypted message. Thus for the next messagesent between the two components, a new secret key hash may be used whichis generated by incrementing the previously secret key hash with a knownvalue. In exemplary embodiments, different sets of new secret key hashesmay be generated for both sending and receiving by the components.

In the previously described exemplary embodiments, the authenticationhashes are generated by hashing one or more identity data values such asserial numbers with a public key of a component. The same public key mayalso be used to encrypt the randomly generated secret key. However, inalternative exemplary embodiments, the identity data values such asserial numbers may be hashed with another public key or other sharedhashing argument (HashingArg) which is different from the public keyused to encrypt the randomly generated secret key. In such analternative exemplary embodiment, the component initiating the securecommunication session may generate a first message 600 which includesthe public key for use in encrypting the secret key, the uniqueSessionID, and a further hashing argument which is used in place of thepublic key in the previously described Equations (1-3). Thecorresponding equations used for generating the authentication hashesmay be as follows:Hash1=MD5(SN1+SN2+HashingArg)  (4)Hash2=MD5(SN1+DefaultSN+HashingArg)  (5)Hash3=MD5(DefaultSN+SN2+HashingArg)  (6)

In further alternative exemplary embodiments, the unique sessionID maybe used for the hashing argument in place of the public key. As a resultthe equations for generating the authentication hashes may be asfollows:Hash1=MD5(SN1+SN2+SessionID)  (7)Hash2=MD5(SN1+DefaultSN+SessionID)  (8)Hash3=MD5(DefaultSN+SN2+SessionID)  (9)

In this described exemplary embodiment, the SessionID may not beincluded in the message which sends the encrypted secret key and theauthentication hashes. Rather the further authentication hashes may begenerated using the original sessionID. As a result, the receivedauthentication hashes and the further authentication hashes generatedwill only match when the same sessionID was used to generate both setsof authentication hashes.

The described exemplary embodiment shows a cash dispenser of an ATM thatis operative to establish a secure communication channel with a softwarecomponent of the computer of an ATM. However, it is to be understood,that in alternative exemplary embodiments, that other software andhardware components in the ATM use the same methods to establish asecure communication session between them. For example in alternativeexemplary embodiments, software components such as device drivers may beoperative to perform the above described methods to established a securecommunication session with a cash recycler, depository, or other devicesin the ATM. Further the described methods may be used to establish asecure communication session between a host banking system or otherremote system and an ATM.

It is to be understood that the previously described exemplaryembodiments of methods for establishing secure communication sessionsbetween components may or may not use dedicated cryptography hardware orchips such as a TPM to perform cryptographic calculations. Cryptographiccalculations for example may be performed using software programs suchas the message protect application running in the processors of thecomputer and hardware devices.

However, as discussed previously, alternative exemplary embodiments ofan automated banking machine may use cryptographic hardware such as aTPM to establish secure communications between components using all orportions of the previously described methods and/or other methods forestablishing secure communications and trust between components.

For example, an alternative exemplary embodiment of an ATM may include atrusted platform (TP) which may also be referred to as a trustedcomputing platform or a trusted computer base (TCB). FIG. 7 shows anexemplary embodiment of a trusted platform 300 for an ATM 310. The ATM310 may include a computer 312. The computer 312 may include amotherboard with a BIOS 316. The computer 312 may further include atrusted platform module (TPM) 314 that complies with a trusted platformspecification such as the Trusted Computing Platform Alliance (TCPA)specification, Microsoft next-generation secure computing base (NGSCB)(formerly called Palladium) or other specification for establishing atrusted and secure computing environment.

In exemplary embodiments, the TPM may be comprised of one or morecomputer chips integrated into the motherboard of the computer 312. Anexample of a TPM which may be used with exemplary embodiments of an ATMincludes a TPM SLD 9630 chip of Infineon Technologies AG which is basedon the TCPA Main Specification version 1.1b. Also, in exemplaryembodiments, the TPM may correspond to Microsoft's specification for asecurity support component (SSC) for the Microsoft NGSCB. In alternativeexemplary embodiments the TPM may also be incorporated into theprocessor of the computer of the ATM, or a dongle, hardware card, orother device in operative connection with the computer of the ATM

As used herein a trusted platform (TP) corresponds to hardware andsoftware components of a computer that conform to a trusted platformspecification such as Microsoft's NGSCB, the TCPA specification, oranother trusted platform which uses a combination of a TPM and one ormore trusted software components.

As used herein the TP may be described as being used to perform certainfunctions which may require the use of a TPM. However, it is to beunderstood that in addition to the TPM, software associated with the TPMmay be involved in the performance of the functions. Such software manyinclude a trusted portion or kernel of the operating system such as anexus in Microsoft's NGSCB specification. Such software may furtherinclude a trusted application, nexus computing agent (NCA), applicationprogramming interface (API), or other software component that enablesthe TP to perform the described function. As used herein and in theclaims references to using a TP to perform a particular cryptographic,authentication, or other function may include the use of the TPM chipand/or software which requires a TPM chip such as a nexus or NCA.

The ATM 310 shown in FIG. 7 includes a TP 300 that conforms to the TCPAMain Specification version 1.1b. Here the ATM 310 may include a TPCASoftware Stack (TSS) 318 which may provide modules and components thatprovide the supporting functionality to the TPM. The modules andcomponents of the TSS may support the offloading of security functionsfrom the TPM to the main CPU(s) of the computer of the ATM

The ATM 310 may further include a secure API 320 which provides a set offunctions that ATM software 322 may use to configure and communicatewith the TPM through the TSS. In an exemplary embodiment the secure APImay include functions for accessing on-chip cryptographic hardwarefunctions 330 of the TPM such as encryption, decryption hashing, and keygeneration. Examples of on-chip encryption and decryption functions thatmay be accessed through the secure API may include RSA, DES, and TripleDES for example. In the exemplary embodiment the terminal controlsoftware 324 may perform encryption and decryption operations involvedwith the performance of transactions for consumers using the on-chipfunctions of the TPM. In alternative exemplary embodiments the ATMsoftware may be operative to communicate with the TPM through directaccess to the functions of the TSS. In further alternative exemplaryembodiments, the ATM software may be operative to communicate with theTPM through a Microsoft cryptography API (CAPI) included with aMicrosoft operating system installed in the ATM for example.

FIG. 8 shows an exemplary embodiment of a TP 400 for an ATM 410 whichconforms to Microsoft's NGSCB specification. Here the TPM chip 414 maycorrespond to or may be refereed to as a security support component(SSC). Also, with this specification the software which interfaces withthe TPM chip may include the NGSCB nexus 420 or other secure kernel ofan operating system 418. An ATM with a NGSCB trusted computing platformmay include two modes of operation refereed to as the standard mode 430and the nexus mode 432. Both modes may be operative at the same time.Legacy applications which are not designed for use with a TPM 414 mayexecute in the standard mode of the platform. However, trustedapplications which are designed to use the TPM may be granted permissionto operate in the nexus mode 432. Such trusted applications include theNGSCB nexus 420 and one or nexus computing agents (NCBs).

In an exemplary embodiment of the ATM 410, at least one of the terminalcontrol software components 422 of the ATM may be granted permission tooperate in the nexus mode. In a TP based on Microsoft's NGSCBspecification such components may be programmed to use features of theTP through communication with the nexus 420. As used herein, terminalcontrol software components which interface with a TPM and/or whichoperate in the nexus mode are referred to as trusted ATM components 440.In a TP based on Microsoft's NGSCB such trusted ATM componentscorrespond to NCBs.

Although, in an exemplary embodiment of the ATM, all of the terminalcontrol software may be programmed to operate in the nexus mode, inother exemplary embodiments, one or more of the terminal controlsoftware components may continue to operate in the standard mode 430 ofthe machine. For example, legacy ATM software components 442 such as aWOSA/XFS (Windows Open Services Architecture/eXtensions for FinancialServices) manager or other XFS layer or other device interface layer maycontinue to operate in the standard mode. However, other components,such as software components which have access to secure financialinformation, items of value (i.e., cash, deposits) for example mayoperate on the nexus mode of the TP. Examples of such trusted ATMcomponents may include components which communicate financialinformation such as account data to a remote host banking system. Otherexamples of trusted ATM components may include service providers, devicedrivers, or other portions of the device interface layer whichcommunicate with input devices, output devices, and transaction functiondevices such as a cash dispenser, cash recycler, or depositorymechanism. In addition trusted ATM components may include the terminalapplications and/or configuration components for use with servicing,installing, maintaining or configuring the ATM.

In this described exemplary embodiment, trusted ATM components may usethe following mechanisms of a TP: curtained execution, sealed storage,secure I/O, and attestation. With curtained execution, a trusted ATMcomponent is isolated from software that is not trusted by the trustedATM component. With sealed storage, the trusted ATM component has accessto secret information that is not available to other software. Withattestation, the trusted ATM component has access to an authenticationmechanism which enables the component to prove its identity to othersoftware components located on the ATM or remote from the ATM. Withsecure I/O, the trusted ATM component is operative to receive secureinputs or send secure outputs through secure input and output devices ofthe ATM.

In the exemplary embodiment of the ATM, such secure input and outputdevices may include, a secure keyboard and video controller. In additionsecure input and output devices may include keypads, card readers,receipt printer and/or any other device that is adapted to securelyreceive or transmit inputs and outputs between a user and the ATM.

The TP may be used to provide secure storage for symmetric andasymmetric keys and other protected information used by the trusted ATMcomponents. The TP may also be used to perform cryptographic processessuch asymmetric and symmetric encryption and decryption for trusted ATMcomponents. The TP may also be used to perform key generation,public/private key pair generation, random number generation, hashgeneration, digital signature generation, and digital signatureverification for trusted ATM components. In addition The TP may be usedto provide a report or attestation to the current configuration of theATM or other information. For example, the TP may be used in acquiringand/or verifying information about trusted ATM components and hardwaredevices installed on the ATM.

As used herein, the information acquired about a component of the ATMfor attestation using the TP is referred to as a measurement of thecomponent. Such a measurement may take place when the ATM is initiallybooted or at other times during the operation of the ATM. Themeasurements may be securely stored using the TP and used later todetermine if the configuration of the ATM has changed.

In an exemplary embodiment, a trusted ATM component and/or an externalsystem remote from the ATM such as a host banking system may beoperative to verify the information about the measured components of theATM. The exemplary embodiment of the TP may be used to attest to theinformation about the measured component by digitally signing themeasurement of the component with a private key of the TPM. Thedigitally signed measurement may be sent to the software application,device, and/or external system requesting information about the measuredcomponent.

In the exemplary embodiment the TPM may include at least one private keysecurely stored in the TPM chip. The TPM may further include at leastone digital certificate that includes the public key which correspondsto the private key stored in the TPM. Such a digital certificate may besigned by the motherboard or TPM manufacturer for example. The TPM mayalso be operative to store additional public and private keys andcorresponding digital certificates. The additional digital certificatesassociated with the TPM may be signed by a certificate authority whichenables them to be verified by authenticating the signature of thecertificate authority. In exemplary embodiments, the TPM may beoperative to provide a root of trust for the ATM through a PKIinfrastructure. The TPM may be operative to extend its trust to one ormore components of the ATM, such as a nexus and trusted ATM components,by building a chain of trust. Also trusted ATM components may beoperative to extend their trust to other components.

In exemplary embodiments, the TP of the ATM may be used to enable thecomputer of the ATM to boot into a known state with hardware andsoftware that is verified through use of the TPM. In this describedexemplary embodiment, the ATM software 322 such as the terminal controlsoftware may include trusted ATM components that are operative to auditthe configuration of the ATM. Such auditing ATM components may throughuse of the TP acquire measurements for a plurality of the softwareand/or hardware components of the ATM. The results of the measurementsmay be compared to know authorized configurations of valid measurementsof the components. In an exemplary embodiment such authorizedconfigurations may be digitally signed to prevent undetectedunauthorized modifications to the authorized configurations.

In alternative exemplary embodiments, the authorized configurations maybe stored in a data store managed by a remote system such as a serverassociated with a host banking system. Prior to authorizing the ATM toperform transaction functions, the host banking system may communicatewith the ATM to direct that the trusted ATM components acquiremeasurements of one or more devices of the ATM. The measurements may bereturned to the host banking system for verification against the knownauthorized configurations for the ATM. If the measurements do notcorrespond to valid measurements of one or more authorizedconfigurations for the ATM, the host banking system may be operative toprevent the ATM from performing transactions.

In the exemplary embodiment, the TP may be used to measure components assoon as the ATM is booted. If the hardware and/or software componentsare not successfully verified, the TP may be operatively configured toprevent the computer of the ATM from booting into a fully functionalstate. For example, the TPM may be operative to verify that the BIOS ofthe computer motherboard has not been altered. The TPM may be operativeto measure the nexus or other kernel of an operating system beforeenabling the nexus or other kernel of an operating system to execute.For example, the measurement may include loading a nexus into securedcurtailed memory and sending an image of the memory to the TPM chip. TheTPM chip may make a cryptographic hash of the image. When the nexus isfirst started, this hash may be permanently stored in the TPM chip. Onsubsequent boots of the ATM, the TPM chip may be operative to measurethe current nexus and verify that the hash of the nexus matches the hashoriginally stored in the TPM chip.

In exemplary embodiments, the TP may also be used to measure hardwareconfigurations and hardware devices to verify that the ATM includes thecorrect hardware. The TP may also be used to measure the installedsoftware of the ATM such as the operating system and other specifiedsoftware to assure that the installation of the ATM has not had anunauthorized change. The software being verified may include bothtrusted ATM components and other software components and applicationswhich may not run on the nexus mode of the TP.

In the exemplary embodiment the TPM may be used to manage secure andprotected data stores in the ATM. Such secure and protected data storesmay include an internal data store 340 such as a nonvolatile RAM locatedon the TPM. Such secure and protected data stores may also include adata store 342 which is external to the TPM. Information stored in thedata stores may be encrypted by the TP using public keys and an RSAcryptography algorithm and/or symmetric keys using a symmetriccryptography algorithm.

In exemplary embodiments, information used by an ATM such as secretkeys, signature keys, verification keys, encipherment keys, deciphermentkeys, private keys, public keys, and authorization keys or othercritical information used in the operation of the ATM may be securelystored in the ATM through use of the TP. For example, secret keys usedby an encrypting pin pad (EPP) may be stored in an internal or externaldata store managed through use of the TP. Also private keys used forcreating digital signatures for the ATM may be securely stored using theTP. The ATM may use the TP to sign messages using the private keysstored by the TPM. Examples of other information that may be securelystored in the ATM using the TP may include information regulated bygovernment or industry such as anti-fraud mechanism information forareas such as bulk note tables, canister mappings, account access,transaction journals, and repudiation.

In an exemplary embodiment, information received by the TP from atrusted ATM component may be stored in an encrypted form in a data storeusing a key associated with the trusted ATM component. Such a trustedATM component may correspond to the owner of the information. Theexemplary embodiment of the TP may enable the owner trusted ATMcomponent to use the TP to retrieve and return the information stored inthe data store back to the owner component. The exemplary embodiment ofthe TP may be operative to verify that the request is from the ownercomponent. If the request comes from a component that does notcorrespond to the owner of the information, the TP may be operative toreject the request for the information.

Automated banking machines such as an ATM may be operative to performcryptographic calculations involved with securely sending and receivingan ATM terminal master key, ATM communication keys, and user enteredpersonal identification numbers (PINs) between the ATM and an ATM hostbanking system. Examples of ATM systems which use cryptographiccalculations and protocols to securely transfer keys between anencrypted PIN pad of an ATM and a host banking system and which may beadapted to use a TP are shown in U.S. application Ser. No. 10/126,140filed Apr. 19, 2002 which is incorporated herein by reference in itsentirety. In an exemplary embodiment of the ATM, one or morecryptographic calculations required by the EPP described in applicationSer. No. 10/126,140 may be performed using the on-chip or off-chipcryptographic functions of the TP.

For example, in an exemplary embodiment, a service technician mayinitiate a function at the ATM or from a remote location which causes atrusted ATM component to send a request to a host banking system for aterminal master key. The request may include a digital certificateassociated with the TP and/or the trusted ATM component. The hostbanking system may validate the certificate and use the public keyassociated with the certificate to encrypt a terminal master key. Thehost banking system may then send a message to the ATM which includesthe encrypted terminal master key. Once the message is received, thetrusted ATM component may be used to decrypt the encrypted terminalmaster key using a corresponding private key and an asymmetriccryptography algorithm such as RSA.

The message from the host banking system with the encrypted terminalmaster key may be digitally signed by the host banking system. Thetrusted ATM component may validate the terminal master key throughverification of the digital signature. In an exemplary embodiment, theunencrypted terminal master key may be securely transferred to anencrypted pin pad for use with decrypting symmetrical communication keysprovided to the EPP by the host banking system.

As a further verification, the ATM may output a hash of the public keyof the host system which was used to validate the signature of the hostbanking system. The ATM may require a technician to provide an input tothe ATM which is representative of a confirmation that the hash of thepublic key of the host banking system is valid. In addition the publickey of the host banking system may be included on a digital certificateof the host banking system. To enable the trusted ATM component tofurther verify the public key of the host banking system, the hostdigital certificate may be signed by a certificate authority trusted bythe TP and/or the trusted ATM component. The trusted ATM component mayverify the digital signature of the certificate authority to verify thepublic key included in the digital certificate of the host bankingsystem.

In an alternative exemplary embodiment, the terminal master key mayremain securely stored by the TP in a protected data store managed bythe TP rather than sending the terminal master key to an EPP. The TPand/or a trusted ATM component may be used to decrypt communication keysprovided to the ATM by the host banking system using the stored terminalmaster key. The TP and/or trusted ATM component may then securelytransfer the communication key to the EPP. The EPP may use thecommunication key to encrypt personal identification numbers (PINs)inputted into a key pad input device of the EPP by a user performing atransaction at the ATM. The encrypted PIN may then be sent to theautomated banking machine for use in authorizing the transaction to beperformed.

In a further alternative exemplary embodiment, the communication key mayremain securely stored by the TP in a protected data store managed bythe TP rather then sending the communication key to an EPP. The TPand/or trusted ATM component may then use the stored communication keyto encrypt PINs inputted into an input device other than an EPP of theATM prior to sending the PINs to the host banking system forauthentication. Such input devices may correspond to a keypad, keyboard,touch screen of a display device, or any other input device of the ATM.In this described alternative exemplary embodiment, the input devicesmay be operatively configured to securely communicate an inputted PIN tothe TPM and/or trusted ATM component by establishing a secure encryptedcommunication channel between the input device and TP and/or trusted ATMcomponent.

In exemplary embodiments where the cryptographic functions on the TPMchip are not sufficient for the cryptography requirements of the ATM,the exemplary TP may be operative to securely manage cryptographiccalculations using protected cryptographic software and/or hardwarecomponents 332 which are external to the TPM. Such externalcryptographic components 322 may include cryptography calculationsperformed by the CPU(s) of the computer of the ATM responsive to theTPM, nexus, TSS, a cryptography API of the Operating system, and/or atrusted ATM component.

In this described exemplary embodiment, the TP may be used to measureand verify the EPP device in the ATM and software which operates the EPPprior to enabling the ATM to perform transaction functions using theEPP. In addition the TP may be used to measure and verify other hardwaredevices and software devices of the ATM prior to enabling the ATM toperform transaction functions using the hardware or software components.For example, the TP may be used to measure and verify that validtransaction function devices are installed in the ATM such as a cashdispenser and depository mechanism. The TP may also be used to measureand verify that other types of hardware devices of the ATM are validsuch a card reader device, display screen, function keys, keypads,network card, hard drives or any other device that may be included in anATM. In addition the TP may be used to measure and verify softwarecomponents used to control the hardware devices of the ATM. Examples ofsuch software devices which may be measured and verified by the TPM mayinclude device drivers, configuration files, service providers,databases, XFS layers, ODS layers, TEC components, browser software,JVMs, terminal control software components, diagnostic softwareapplications, server applications, service and maintenance softwareapplications or any other software components including software filesand data that may be included in an ATM.

In the exemplary embodiment, the measurement, attestation, cryptographicfunctions and protected storage features of the TP may be used toestablish secure communications between hardware and software componentsof the ATM in which components can verify each other and authenticatethe communications passed between them. In addition, in exemplaryembodiments, where the ATM includes legacy components which do notinclude a mechanism for establishing secure communications, the TP maybe used to minimize the security risks such legacy components may poseto the ATM. For example ATMs may include an XFS layer which by itselfmay have limited functionality for securely controlling devices of theATM. A TP may be used to measure and verify both the XFS layer andcomponents that receive and send communications through an XFS layer ofan ATM. Examples of an ATM system which is operative to establish securecommunications between components of an XFS enabled ATM and which may beadapted to use a TP to establish such secure communications are shown inU.S. application Ser. No. 60/429,250 filed Nov. 25, 2002 which isincorporated herein by reference in its entirety.

For example, XFS enabled ATMs may include application layer components.Such application layer components may be operative to control XFScompatible hardware devices through communication with an XFS layer. Inthis described exemplary embodiment the application layer componentsabove the XFS layer may correspond to trusted ATM components. Inaddition one or more of the device driver layer components or othersoftware interfaces between the XFS layer and the hardware componentsmay also be trusted ATM components.

Examples of device driver layer components include device drivers,service providers, and module interfaces such as a unified base release(UBR) components or an Agilis module interface (AMI).

In an exemplary embodiment, to make communications with the XFS layermore secure, the device driver layer components may only be responsiveto control hardware devices when the communication received from the XFSlayer has been confirmed to originate from a trusted ATM component. Inthis exemplary embodiment, a security component of the ATM may beoperative to supply this confirmation to the device driver layercomponents. For example, each time an application layer componentcommunicates through the XFS layer, the application layer component mayalso notify the security manager component. The security managercomponent may then confirm to a device driver layer component that thecommunication received through the XFS layer originated from anauthorized trusted ATM component. In this described exemplaryembodiment, the application layer components, device driver layercomponents, and the security manager may use the attestation features ofthe TP to prove their identities to each other and to establish securecommunication between them.

For example, a first application layer component may send a firstcommunication to a security manager component of the ATM. The firstcommunication may be attested to through use of the TP to enable thesecurity manager component to authenticate the first communication. Theapplication layer component may then send a second communication throughthe XFS layer of the ATM which is directed to the device driver layer ofthe ATM. In this described exemplary embodiment, the device driver layermay cause a hardware device of the ATM to operate responsive to both thesecond communication and the security manager.

In an exemplary embodiment the device driver layer may communicate withthe security manager to verify that it may operate the hardware deviceresponsive to the second communication. The communications from thesecurity manager may be attested to through use of the TP to enable thedevice driver layer component to authenticate communications from thesecurity manager.

In addition to using the TP to authenticate communications passedthrough an XFS layer, the TP may also be used to measure and verify thatthe software stack that corresponds to the components of the XFS layer,application layer and device driver layer are valid and have not beenchanged to an unauthorized configuration.

In an exemplary embodiment, the service software of the ATM may beoperative to install and manage digital certificates used in theoperation of the TP. Examples of digital certificates that may bemanaged on the ATM by the service software include: validationcertificate, TPM endorsement certificate, TPM identity certificate,conformance certificate, and platform certificate. In the exemplaryembodiment, the validation certificate may include data that includesthe TPM validation data statements and labeling. The endorsementcertificate may be used to vouch for the existence of a particular TPM.The TPM identity certificate may include a public key for a TPM identityand a description of the TPM and platform. The conformance certificatemay be issued by an entity chosen by the manufacture of the platform tovouch for the platform meeting the requirements of the specification forthe ATM. A platform certificate may attest that the ATM platform hasbeen built according to manufacture of the ATM.

In the exemplary embodiment the service software of the ATM may includeownership management functions for managing a transition in ownership ofthe ATM: from the manufacture of the ATM to the entity responsible forinstallation of the ATM; to the institution or entity that operates theATM; and to the entity that is responsible for maintenance of the ATM.The service software may be operative to manage in a trusted manner theidentities and status settings for the TP as the ATM transitions fromone entity to another.

The service software of the ATM may also be operative to perform securebackup and recovery functions of information stored on the TPM chipand/or other protected storage locations managed by the TP. Such backupsof information managed by the TP may also be securely stored on a systemremote from the ATM in an encrypted form which cannot be deciphered bythe remote system. The service software of the ATM may also be operativeto securely migrate selected information managed by a TP of an ATM to aTP of a trusted platform to support maintenance of the ATM.

In the exemplary embodiment the service software may include functionsfor managing changes to the TP and the trusted ATM applications. Theservice software 326 may modify the authorized states of the ATM thatare measured and/or verified by the TP. The service software may enabledifferent portions of the ATM to be configured based on the type of userperforming the task. For example, an administrative user may bepermitted to update the TP to trust new hardware and/or softwareinstalled on the ATM, while a maintenance user may be limited toupdating a specific subset of the software and/or hardwareconfigurations to be trusted by the TP. In the exemplary embodiment theTP may also be used to maintain an audit trail of all changed to theconfiguration of the ATM. Audit trail logs for operations of the TP andhardware and software components of the ATM may be securely stored in alocal or external data store managed by the TP.

The exemplary embodiment of the ATM may be operative to preventunauthorized software and hardware from being installed on the ATM. Ifsuch software is installed on the ATM, the TP may be used by the ATM todetermine that the system has been modified or changed to anunauthorized software and/or hardware configuration. In an exemplaryembodiment, when the system is modified to an unauthorizedconfiguration, the TP may be used to prevent the ATM from booting,and/or loading into a fully enabled state.

As discussed previously, the TPM chip may include a digital certificatesigned by the manufacture or supplier of the TPM or computermotherboard. Also as discussed previously the TP may also be used toacquire additional digital certificates for the ATM. Such additionalcertificates may be issued or signed by a specific certificate authoritythat is trusted by one or more trusted ATM components of the ATM. Anexemplary embodiment, the trusted ATM components may require the ATM tohave been issued one or more digital certificates from the specificcertificate authority prior to becoming fully functional on the ATM. Inaddition, systems remote from the ATM such as a host banking system,financial transaction server, or other server, may also require the ATMto be issued one or more digital certificates from a specificcertificate authority prior to performing functions with the ATM.

For example, a trusted ATM component of the ATM may include a devicedriver such as a service provider (SP) which controls the operation of acash dispenser. Such a cash dispenser SP may only be operative to causethe cash dispenser to dispense cash, after the cash dispenser SP hasverified that the TP has possession of a particular private key. Such aprivate key may correspond to a public key named in a digitalcertificate issued by a specific certificate authority that is trustedby the cash dispenser SP. In an exemplary embodiment, communicationsreceived by the cash dispenser SP may be digitally signed or attested toby the TP using the private key. If the public key associated with thedigital certificate issued by the specific certificate authority isusable to verify the digitally signed or attested to communication, thenthe cash dispenser SP may become operative to operate the cash dispenserin the ATM.

Although, in this example, an SP has been described as being operativeto authenticate the TP, it is to be understood that in exemplaryembodiments other trusted ATM components may be operative to make thisverification before enabling SPs to operate hardware devices. Forexample in addition to service providers, the device driver layer of theATM may include a module interface layer such as a UBR or an AMI whichprovides an additional layer of abstraction between the serviceproviders and the hardware devices. One or more of the service providersmay be programmed to control hardware devices through communication withthe module interface components rather than directly communicating withone or more hardware devices. In this described embodiment, the moduleinterface may be adapted to authenticate the TP before enabling one ormore SPs to operate their respective hardware devices.

In exemplary embodiments, the software associated with the TP may beoperative to specify which SPs or other ATM components are trusted andenabled to operate in the ATM. The ATM may include a user interfacewhich enables an authorized user to grant SPs or other trusted ATMcomponents permission to operate using the TP. Each service provider orother trusted ATM component may include a manifest which includes a hashof the code of the program(s) or a public key(s) usable to verifydigital signatures of the code of the program(s). The TP may beoperative to authenticate each SP or other trusted ATM component usingthe information in the manifest. The manifest in turn may include adigital signature which can be authenticated by the TP to enable the SPor other trusted ATM component to operate in the ATM.

In addition to including software which specifies which applicationsinstalled on the ATM are trusted by and/or are granted permission to usethe TP of the ATM, the ATM may include configuration applications whichare operative to update the ATM with new authorized softwareconfigurations of the ATM responsive to a license or other accessed orinputted set of rules. Examples of an ATM platform which is operative toauthorize the installation and/or configuration of software on the ATMand which may be adapted to use a TP to authenticate an installationand/or configuration of an ATM are shown in U.S. application Ser. Nos.60/432,325 filed Dec. 10, 2002 and 09/957,982 filed Sep. 21, 2001 whichare incorporated herein by reference in their entirety. In the exemplaryembodiments, license information for software being installed on an ATMmay be securely stored in an internal or external data store which ismanaged by the TP of the ATM.

Examples of license information which may be securely stored in aninternal or external data store managed by the TP may include:configuration rules for software applications and hardware devices ofthe ATM, software application expiration dates, the name of thecustomer, or entity licensing the software, serial numbers for thesoftware application, version numbers for the software applications,authorization keys for the software applications, softwareIds,hardwareIds, or any other information which is associated with the ATM.Each time an ATM is booted and/or an application of the ATM is startedin the ATM, the license information securely managed in the TP may becompared to the state of the ATM as measured using the TP of the ATM. Ifthe current measured state of the ATM does not correspond to the licenseinformation, the TP and/or ATM software may be operative to prevent theATM from booting, and/or prevent the ATM software from running in anenabled state.

For example, in an exemplary embodiment, when new software is beinginstalled in the ATM, the installation program may require that atechnician input through an input device of the ATM a firstauthorization key and license information. The installation program mayuse the TP to generate a second authorization key responsive to a secretkey stored in the machine and the inputted license information. Theinputted first authorization key may then be compared to the generatedsecond authorization key. If the inputted first authorization keycorresponds to the generated second authorization key, the installationsoftware is operative to enable the new software application associatedwith the license information to be installed in ATM. In the exemplaryembodiment the secret key used to generate the second authorization keymay be securely embedded in the terminal control software, the TP orother secure location in the ATM.

Also as will be explained below in more detail, the secret key mayitself be generated responsive to keying material stored in one or morecomponents of the ATM.

The process of installing the new software may include granting any newor updated trusted ATM components with permission to use and/or betrusted by the TP. For example, trusted ATM components may be grantedpermission to operate in the nexus mode. Also the TP may be updated toinclude authorized measurements for the newly installed software.

In exemplary embodiments, hardware devices of an ATM may includefirmware which is undatable. As an unauthorized update to the firmwareof a device may be performed, an exemplary embodiment of the ATM may beoperative to authenticate the firmware content of a hardware deviceusing a challenge and response mechanism. In an exemplary embodiment theTP of the ATM may be used to store a measurement of the firmwarecontent. The measurement may then be compared to a known authorizedvalue. If the firmware content does not correspond to the knownauthorized value, the exemplary embodiment of the ATM may be operativeto prevent the ATM from using the device and/or operating in an enabledmode.

In exemplary embodiments, the ATM may be operative to measure thefirmware of one or more hardware devices responsive to a request orchallenge from a host banking system responsible for authorizingtransaction functions performed at the ATM. The measurement may bereported back to the host banking system. The host banking system maycompare the measurements of the firmware to known authorized values todetermine if the firmware is valid prior to enabling or authorizing theATM to perform transaction functions for users. As discussed previously,in exemplary embodiments, the measurement of the firmware may bemeasured using a TP of the ATM. However, it is to be understood that inalternative exemplary embodiments of the ATM, measurements may be takenby a further software or hardware device of the ATM and may be reportedto the host banking system without using a TP.

An exemplary embodiment for measuring and reporting firmware content ofa hardware device may include sending a measurement request message tothe hardware device which prompts the hardware device to return afirmware certificate (FWC). The message may include an initial valuewhich is used by the hardware device to generate the firmwarecertificate (FWC). A different initial value (INV) may be sent to thehardware device each time a measurement is requested. The hardwaredevice may be operative to calculate the firmware certificate (FWC)responsive to the Initial Value (INV) so as to produce a differentfirmware certificate for each different Initial Value (INV) receivedwith a measurement request message.

In the exemplary embodiment, the hardware device is operative to passthe entire content of the firmware, the Initial Value (INV), and asecret key (K) through a cryptographic algorithm which is operative togenerate the firmware certificate (FWC). The firmware certificatecryptographic algorithm may be operative to generate a messageauthentication code (MAC) for use as the firmware certificate (FWC). Inexemplary embodiments the cryptographic algorithm may include one ormore one way hash function such as MD5 or SHA-1. In a further exemplaryembodiment, the firmware certificate cryptographic algorithm maycorrespond to Cipher Block Chaining (CBC) or a Cipher-Feedback Mode(CFB) MAC algorithm where the firmware content is encrypted with a blockalgorithm in CBC or CFB modes. The firmware certificate (FWC) may thencorrespond to the last encrypted block which may be encrypted once morein CBC or CFB modes. In other exemplary embodiments other cryptographicalgorithms may be used to generate a unique firmware certificate (FWC)responsive to the firmware content, a secret key (K) and an initialvalue (INV).

For example, the firmware content may be comprised of a number of bytes.To calculate the firmware certificate (FWC) the firmware content may bedivided into blocks of bytes, called firmware blocks (FWB), numberedfrom 0 to −1. In an exemplary embodiment a block may be comprised of 8bytes for example. As a result for a firmware content with 8 k bytes,the firmware blocks (FWBs) may be numbers 0 to 1023. The firmware blocks(FWBs) may be encrypted in CBC mode using a symmetrical encryptionalgorithm such as DES. As shown in equation (10), an initial valueincluded in the measurement request message to the hardware device maybe XORed with the first block (FWB0) of the firmware content.C0=DES(K,FWB0 xor INV)  (10)The result of the XOR may be encrypted with DES using a secret key (K)to produce a first cryptogram (C0). As shown in equation (11), eachadditional firmware block (FWBi) may be ZORed with the previouscalculated cryptogram (Ci−1). The result of the XOR may be encryptedwith DES using the secret key (K) to produce another cryptogram (Ci).Ci=DES(K,Ci−1 xor FWBi)  (11)

Equation 11 may be repeated until the last block but one. The firmwarecertificate (FWC) may be taken from a portion of the last cryptogram(Cn−2) such as the 6 rightmost digits of the last cryptogram (Cn−2). Thefirmware may then return the generated firmware certificate (FWC) to thecomponent or system that issued the measurement request message.

In an exemplary embodiment of an ATM that includes a TP, the firmwarecertificate may be securely stored by the TP and compared to a knownauthorized value for the firmware certificate. Also, as describedpreviously, the firmware certificate may be reported to a host bankingsystem for comparisons by the host banking system to an authorized valuefor the firmware certificate. Such a known authorized value may becalculated in the same manner as described previously for the firmwareusing the same cryptographic algorithm that is responsive to a knownauthorized firmware content, the secret key, and the initial value togenerate a firmware certificate. The received firmware certificate maythen be compared to the generated firmware certificate to validate thefirmware content in the hardware device.

In the exemplary embodiment of the ATM which includes the TP, the TP maybe used to store the measurement of the firmware. Responsive to a callfrom another component or the host banking system, the TP may attest tothe measurement by signing the measurement with a private key of the TP.The digitally signed measurement may then be forwarded to the callingcomponent or host banking system. The calling component or host bankingsystem may then validate the digital signature of the TP andauthenticate the measurement by generating a firmware certificate tocompare to the measured firmware certificate as previously described. Inalternative exemplary embodiments, the ATM may use the TP to generatethe firmware certificate for use in comparing with the measured firmwarecertificate.

In a further exemplary embodiment the firmware certificate may begenerated by passing the firmware content through a one way hashalgorithm such as MD5 and SHA-1. The resulting one way hash digest maythen be combined with the initial value (INV) received in themeasurement request message. The combined digest and initial value maythen be encrypted with DES using the secret key (K) to produce afirmware certificate that varies responsive to each different initialvalue. In this described exemplary embodiment, to further increase thesecurity of the firmware certificate, the combination of the digest andinitial value may also be hashed with a one way hash function prior toencrypting the result with DES. The resulting firmware certificate maybe validated using the TP, host banking system, or other component bytaking a known valid one way hash digest of the firmware, combining itwith the initial value (INV) and encrypting it using DES and the secretkey. The measured firmware certificate and the value generatedresponsive to a known hash of the firmware may then be compared tovalidate the hardware device.

The previously described exemplary methods of measuring firmware contentmay also be used to measure other groupings of bytes including softwarefiles or other groupings of data stored on a hard drive or other datastore of the ATM. However, it is to be understood that othermeasurements may be taken in different forms. For example measurementsmay correspond to the reading of embedded hardware or software IDs inthe components. Measurements may also correspond to having a componentdigitally sign a random number or other information to verify that thecomponent has possession of a private key. Also as discussed previouslymeasurements may also be made by generating a hash of the code acomponent and comparing the hash to a hash retrieved in a signed andtrusted manifest or certificate associated with the component. Inalternative exemplary embodiments, measurements performed by componentsof the ATM, TP and/or host banking system may correspond to anyevaluation of a component which is operative to produce informationuseful for authenticating the component.

As discussed previously, an exemplary embodiment of the ATM may use a TPto securely store encrypted secrets on the ATM. Each trusted ATMcomponent may access functions of the TP for use with encrypting(sealing) or decrypting (unsealing) secret data stored on the ATM. Inaddition exemplary embodiments of an ATM may be operative to storeencrypted information on the ATM without using a TP. Such an ATM mayinclude one or more secret keys for encrypting, decrypting, and othercryptographic process. Such keys must be available for use even afterthe machine has been shut down and restarted. Although such keys may bestored in a non-volatile media such as a hard drive, an exemplaryembodiment may be operative to have periodic access to the secret keyswithout storing the keys on a potentially insecure hard drive or otherlong term storage medium. In this described exemplary embodiment, theATM may be operative to generate and regenerate the secret keys eachtime the system is re-booted and/or when the secret keys are needed.

An exemplary embodiment of the ATM may generate or regenerate theidentical key by combining keying material provided by the callingapplication, other software applications, the operating system and/orhardware devices of the ATM. The combination of this keying materialresults in a key.

In this described exemplary embodiment the terminal control software forthe ATM may include a function for generating the key. Portions of thekeying material may be supplied as one or more arguments to the keygeneration function from a calling application. Such arguments mayinclude for example a data name, an application name, a password, amachine identification number, or any other information that the callingapplication can reproducibly pass to the function. In an exemplaryembodiment, the key generation function may require at least one of thearguments, while the other arguments may be optionally supplied by thecalling application. For example, the data name argument may berequired, whereas other arguments such as the application name,password, and machine identification number may be optional.

The data for these arguments may be compiled into the application thatcalls the key generation function. Also these arguments may be accessedby the calling application from outside the application and passed tothe key generation function. For example, the calling application maypass a machine identification number to the function which is unique tothe ATM. Such a machine identification number may correspond to aprocessor ID, an operating system machine ID, or any other informationwhich is unique to the computer, hardware, or software of the ATM andwhich is accessible to the application calling the key generationfunction. In a further exemplary embodiment, the key generation functionmay be operative to directly access the machine identification number.In this case, the key generation function may accept a boolean argumentfrom the calling application which specifics whether or not the keygeneration function should access and use the machine identificationnumber as part of the keying material.

In the exemplary embodiment, the key generation function may also useone or more constant or static data items for use as additional keyingmaterial. Such constant data may be defined within the key generationfunction.

The exemplary embodiment of the key generation function may use one ormore hashing functions such as MD5 or SHA-1 to produce a one-way hashnumber from a combination of the keying material available to the keygeneration function. The resulting one-way hash number may correspond toa 128 bit value that is usable as a reproducible key for encrypting anddecrypting information with the ATM.

To further increase the security of the encrypted data, the ATM may usethe generated key in combination with a random salt value. Each time thegenerated key is used to encrypt data, the ATM software performing theencryption may generate a random or unique salt value. The salt valuemay be hashed with the generated key to produce a variable or saltedkey. The salted key may then be used to encrypt the data at the ATM witha symmetrical encryption algorithm such as DES for example. Because thesalted key can only be reproduced if the salt value is known, thesoftware which generated the encrypted data using the salted key mayappend the salt value to the encrypted data.

To decrypt the encrypted data, the salt value may be removed from theencrypted data. The ATM application decrypting the data may access orregenerate the generated key using the previously described keygeneration function. The generated key may then be hashed with the saltvalue associated with the encrypted data to regenerate the salted key.The salted key may then be used to decrypt the encrypted data using thesymmetrical algorithm

In addition to encrypting and decrypting ATM data using the generatedand resulting salted key, the ATM may also perform other cryptographicoperations using the generated and resulting salted keys such asgenerating a message authentication code (MAC) for ATM data.

Thus the new automated banking machine component authentication systemand method achieve one or more of the above stated objectives, eliminatedifficulties encountered in the use of prior devices and systems, solveproblems and attain the desirable results described herein.

In the foregoing description certain terms have been used for brevity,clarity and understanding, however no unnecessary limitations are to beimplied therefrom because such terms are used for descriptive purposesand are intended to be broadly construed. Moreover, the descriptions andillustrations herein are by way of examples and the invention is notlimited to the exact details shown and described.

In the following claims any feature described as a means for performinga function shall be construed as encompassing any means known to thoseskilled in the art to be capable of performing the recited function, andshall not be limited to the features and structures shown herein or mereequivalents thereof. The description of the exemplary embodimentincluded in the Abstract included herewith shall not be deemed to limitthe invention to features described therein.

Having described the features, discoveries and principles of at leastone embodiment, the manner in which it is constructed and operated, andthe advantages and useful results attained; the new and usefulstructures, devices, elements, arrangements, parts, combinations,systems, equipment, operations, methods and relationships are set forthin the appended claims.

1. Apparatus comprising: an automated banking machine that operatesresponsive to data read from data bearing records to cause financialtransactions, including: a plurality of hardware components including: acard reader operative to read card data on user cards corresponding tofinancial accounts; and a cash dispenser; at least one computer inoperative connection with the plurality of hardware components; at leastone door; a housing, wherein the at least one computer, the at least onedoor, and the plurality of hardware components are in operativelysupported connection with the housing, wherein the at least one door ismovable between a closed position and an open position, wherein at leastone of the hardware components includes at least one input devicepositioned inside the housing, wherein when the at least one door is inthe open position the at least one input device is operative to receivean input through manual operation of the at least one input device,wherein when the at least one door is in the closed position the atleast one input device is not capable of receiving the input throughmanual operation of the at least one input device, wherein the at leastone hardware component is responsive to the input received throughmanual operation of the at least one input device to cause the at leastone hardware component to accept data received from the least onecomputer by the at least one hardware component for use withauthenticating communications received by the at least one hardwarecomponent from the at least one computer, wherein when the at least onedoor is in the closed position, the at least one hardware component isoperative to authenticate at least one communication received from theat least one computer using the accepted data, wherein the at least onehardware component is operative to carry out a transaction functionresponsive to the at least one authenticated communication received fromthe at least one computer.
 2. The apparatus according to claim 1,further comprising a safe in operatively supported connection with thehousing, wherein the safe includes the at least one door movable betweenthe closed position and the open position with respect to an openinginto the safe, wherein at least a portion of the at least one hardwarecomponent is located within the safe, wherein the at least one inputdevice of the at least one hardware component is located within thesafe, wherein when the door of the safe is in the open position, the atleast one input device is capable of being manually operated, whereinthe at least one computer is located in the housing outside the safe. 3.The apparatus according to claim 2, wherein the at least one hardwarecomponent includes the cash dispenser, wherein the at least one inputdevice is mounted to portions of the cash dispenser located inside thesafe, wherein the transaction function includes dispensing cash.
 4. Theapparatus according to claim 1, wherein the at least one hardwarecomponent includes at least one data store, wherein the at least onehardware component is operative to store the accepted data in the atleast one data store of the at least one hardware component.
 5. Theapparatus according to claim 4, wherein the at least one computerincludes at least one computer hardware device, wherein the at least onecomputer hardware device includes stored therein data capable of beingsent to the at least one hardware component by the at least one computerand capable of being accepted by the at least one hardware component foruse with authenticating communications received by the at least onehardware component from the at least one computer.
 6. The apparatusaccording to claim 5, wherein the at least one computer hardware deviceincludes a hard drive.
 7. The apparatus according to claim 5, whereinthe at least one computer hardware device includes a processor.
 8. Theapparatus according to claim 5, wherein that data stored in the at leastone computer hardware device that is capable of being sent to the atleast one hardware component by the at least one computer and that iscapable of being accepted by the at least one hardware component for usewith authenticating communications received by the at least one hardwarecomponent from the at least one computer, includes at least a portion ofa serial number associated with the at least one computer hardwaredevice.
 9. The apparatus according to claim 1, wherein the at least onecomputer includes a trusted platform module (TPM), wherein the TPM isoperatively configured to securely store data capable of being sent tothe at least one hardware component by the at least one computer andcapable of being accepted by the at least one hardware component for usewith authenticating communications received by the at least one hardwarecomponent from the at least one computer.
 10. The apparatus according toclaim 1, wherein to authenticate the at least one communication, the atleast one hardware component is operatively configured tocryptographically determine using the accepted data that the at leastone communication includes data which is authorized to cause the atleast one hardware component to carry out at least one function.
 11. Theapparatus according to claim 1, wherein the plurality of hardwarecomponents further includes at least one of a depository mechanism and acash recycler.
 12. Apparatus comprising: an automated banking machinethat operates responsive to data read from data bearing records to causefinancial transactions, including: a plurality of hardware componentsincluding: a card reader operative to read card data on user cardscorresponding to financial accounts; and at least one of a cashdispenser and a cash recycler; at least one computer in operativeconnection with the plurality of hardware components, wherein the atleast one computer includes a trusted platform module (TPM); at leastone door; a housing, wherein the at least one computer, the at least onedoor, and the plurality of hardware components are in operativelysupported connection with the housing, wherein the at least one door ismovable between a closed position and an open position, wherein at leastone of the hardware components includes at least one input devicepositioned inside the housing, wherein when the at least one door is inthe open position the at least one input device is operative to receivean input through manual operation of the at least one input device,wherein when the at least one door is in the closed position the atleast one input device is not capable of receiving the input throughmanual operation of the at least one input device, wherein the TPM isoperatively configured to be used by the at least one computer tosecurely store data capable of being sent to the at least one hardwarecomponent by the at least one computer, wherein the at least onehardware component is responsive to the input received through manualoperation of the input device to cause the at least one hardwarecomponent to accept from the at least one computer, the data stored bythe TPM, wherein when the at least one door is in the closed position,the at least one hardware component is operative to authenticate atleast one communication received from the at least one computer usingthe accepted data, wherein the at least one hardware component isoperative to carry out a function responsive to the at least oneauthenticated communication received from the at least one computer. 13.Apparatus comprising: an automated banking machine that operatesresponsive to data read from data bearing records to cause financialtransactions, including: a plurality of hardware components including: acard reader operative to read card data on user cards corresponding tofinancial accounts; and at least one of a cash dispenser and a cashrecycler; at least one computer in operative connection with theplurality of hardware components; at least one door; a housing, whereinthe at least one computer, the at least one door, and the plurality ofhardware components are in operatively supported connection with thehousing, wherein the at least one door is movable between a closedposition and an open position, wherein at least one of the hardwarecomponents includes at least one input device positioned inside thehousing, wherein when the at least one door is in the open position theat least one input device is operative to receive an input throughmanual operation of the at least one input device, wherein when the atleast one door is in the closed position the at least one input deviceis not capable of receiving the input through manual operation of the atleast one input device, wherein the at least one hardware component isresponsive to the input received through manual operation of the atleast one input device to cause the at least one hardware component toaccept data received from the least one computer by the at least onehardware component for use with authenticating at least onecommunication received by the at least one hardware component from theat least one computer, wherein when the at least one door is in theclosed position, the at least one hardware component is operative toauthenticate the at least one communication received from the at leastone computer by cryptographically determining using the accepted datathat the at least one communication includes data which is authorized tocause the at least one hardware component to carry out at least onefunction, wherein the at least one hardware component is operative tocarry out the at least one function responsive to the at least oneauthenticated communication received from the at least one computer. 14.Apparatus comprising: an automated banking machine that operatesresponsive to data read from data bearing records to cause financialtransactions, including: a plurality of hardware components including: acard reader operative to read card data on user cards corresponding tofinancial accounts; and at least one of a cash dispenser, a cashrecycler, and a depository mechanism; at least one computer in operativeconnection with the plurality of hardware components; at least one door;a housing, wherein the at least one computer, the at least one door, andthe plurality of hardware components are in operatively supportedconnection with the housing, wherein the at least one door is movablebetween a closed position and an open position, wherein at least one ofthe hardware components includes at least one input device positionedinside the housing, wherein when the at least one door is in the openposition the at least one input device is operative to receive an inputthrough manual operation of the at least one input device, wherein whenthe at least one door is in the closed position the at least one inputdevice is not capable of receiving the input through manual operation ofthe at least one input device, wherein the at least one hardwarecomponent is responsive to the input received through manual operationof the at least one input device to cause the at least one hardwarecomponent to accept data received from the least one computer by the atleast one hardware component for use with authenticating at least onecommunication received by the at least one hardware component from theat least one computer, wherein when the at least one door is in theclosed position, the at least one hardware component is operative toauthenticate the at least one communication received from the at leastone computer using the accepted data, wherein the at least one hardwarecomponent is operative to carry out a transaction function responsive tothe at least one authenticated communication received from the at leastone computer.